Last Updated: May 15th 2025
Welcome to Quotoro, operated by ADVISOR CONCEPTS LIMITED (Company No. 15960595) ("we", "our", or "us"). These Terms of Service ("Terms") govern your use of www.quotoro.com (the "Website") and any services provided through the Website or via our partner widgets (the "Services"). By accessing or using the Website or Services, you agree to these Terms. If you do not agree, please do not use our Website or Services.
By using the Website or any embedded Quotoro widget, you confirm that you have read, understood, and agree to be bound by these Terms. If you're acting on behalf of a business or entity, you confirm you have authority to bind that entity to these Terms. Continued use of embedded widgets also constitutes acceptance of these Terms.
Quotoro is an advertising platform that helps FCA-authorised mortgage advisors connect with potential clients. We facilitate introductions via web pages and widgets embedded on partner websites. Our goal is to help users discover regulated professionals in a transparent and trusted way.
Important: Quotoro does not provide financial advice. We are not authorised or regulated by the Financial Conduct Authority. Our role is limited to advertising and introducing users to verified, authorised advisors. We do not influence or participate in any advice given by the mortgage advisors featured on the platform.
Quotoro may be accessed by consumers seeking mortgage advice. We do not charge consumers for this service. We only work with FCA-authorised advisors, but users should conduct their own due diligence before engaging with any advisor. Any agreement or advice received is strictly between the consumer and the advisor.
Advisors using Quotoro must:
Failure to comply with these standards may result in warnings, suspension, or permanent removal from Quotoro. Partners may also block advisors from their own channels at their sole discretion. Advisors are solely responsible for ensuring that all services offered to users comply with applicable regulatory obligations, including those under the Financial Services and Markets Act 2000.
Quotoro operates a commission-based model. When a user connects with a mortgage advisor through the Quotoro platform — whether directly or via an embedded widget on a partner's website — Quotoro may receive a commission or fee from the advisor if that introduction results in a successful engagement, such as a completed mortgage application.
Our partners (e.g. websites, creators, or organisations embedding the Quotoro widget) may also receive a share of this commission or other compensation for facilitating the introduction.
These commercial arrangements do not influence which advisors appear in a particular widget. All advisors listed are FCA-authorised, and their inclusion is determined based on audience fit, availability, regulatory status, and ongoing performance monitoring. We do not sell positions or prioritise advisors based on fees. These commissions help support the platform and our partners, but do not affect the impartiality of advisor selection.
Disclosure Requirements for Partners Where a partner receives compensation, it is their responsibility to clearly disclose this to users in accordance with applicable regulations — including the Advertising Standards Authority (ASA) Code and FCA guidance on financial promotions. We recommend adding a visible disclaimer such as:
We may receive a commission if you choose to speak with an advisor through this page.
This helps ensure transparency for users and regulatory compliance for all parties involved.
Partners embedding a Quotoro widget or linking to Quotoro-hosted pages are responsible for:
Quotoro is not responsible for the accuracy, completeness, or regulatory compliance of any third-party content that includes or links to Quotoro widgets or pages.
Advisors and advertisers are solely responsible for the content of their profiles. By submitting content, you confirm it is accurate and compliant with relevant laws and regulations. Quotoro does not independently verify this information. Advisors must promptly update or remove any information that becomes inaccurate or outdated.
We reserve the right to suspend or remove content that is false, misleading, or non-compliant.
To access certain features, you may need to create an account. You agree to:
You are responsible for all activity on your account.
You may not use the Website or Services to solicit advisors or users for unrelated products or services.
Advisors agree to pay fees in accordance with pricing plans shown at sign-up. Fees are non-refundable unless otherwise stated. Subscriptions renew automatically each billing cycle unless cancelled. Non-payment may result in access restrictions.
You may only use the Website and Services for lawful purposes. You must not:
Misuse may result in account suspension and legal action.
Our Website and widgets may link to third-party content. These links are provided for convenience only. We do not control or endorse third-party sites and are not responsible for their content or policies. Please review their terms independently. Use of any third-party service is at your own risk.
For how we collect and process personal data, please refer to our Privacy Policy. Our Privacy Policy forms part of these Terms.
All content on the Website is owned by Quotoro or licensed to us. You may not reproduce or distribute any materials without our written consent. You are granted a limited, non-transferable license to use the Website for personal or professional purposes.
We provide the Website and Services "as is". We do not warrant availability, accuracy, or fitness for any particular purpose. You use the Services at your own risk.
To the maximum extent allowed by law, we are not liable for any indirect or consequential losses arising from your use of the Website or Services.
You agree to indemnify and hold harmless Quotoro and its affiliates against any claims, damages, or expenses arising from your misuse of the Website or breach of these Terms.
If you're unhappy with our Services, please email us at casper@quotoro.com. We aim to respond within 30 days. If your complaint relates to advice from a mortgage advisor, you may escalate it to their firm's complaints process or to the Financial Ombudsman Service. We are not responsible for resolving complaints related to advice given by third-party advisors.
We may suspend or terminate your access to the Website at any time for violations of these Terms or misuse of the Services. We reserve the right to do so without notice.
We may update these Terms from time to time. When we do, we'll update the "Last Updated" date at the top of the page and provide notice where appropriate. Continued use of the Website means you accept the changes. We encourage you to review these Terms periodically to stay informed of any updates.
These Terms are governed by the laws of England and Wales. Disputes will be subject to the exclusive jurisdiction of the English courts.
Quotoro (Advisor Concepts Limited)
📧 casper@quotoro.com
📞 +44 7460 086253
🏢 1108 Mawes House, 5 Castle Square, SE17 1EQ, London, United Kingdom